3. Unexpected change in your credit report

If you request a copy of your credit report from an agency, such as Experian, Equifax or CallCredit and find an unexpected change, this could be a warning sign that you have become a victim of identity fraud, as it may well mean that someone has falsely applied for credit in your name.

5. You receive a shiny new laptop or phone that you didn’t order

This may happen if a criminal has bought something in your name with the intention of intercepting the delivery. If they fail to do so, the goods could arrive on your doorstep. This should set the alarm bells ringing.

6. You receive unexpected post

If you start receiving post that in no way relates to you – such as glossy car magazines when you don’t own a car – this could be an indication that something suspect is going on, and that a car has been purchased in your name. You need to check out what is going on.

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The opinions expressed are those of the author and are not held by Saga unless specifically stated.

The material is for general information only and does not constitute investment, tax, legal, medical or other form of advice. You should not rely on this information to make (or refrain from making) any decisions. Always obtain independent, professional advice for your own particular situation.